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Second-hand Car Khareedte Time Insurance Check Kaise Kare? RC, Policy, NOC – Full Checklist (2026)
Second-hand car lena sahi decision tabhi hota hai jab tum uski RC, insurance policy, NOC, claim history, engine–chassis details sab kuch verify kar lo. Aaj ke time me fraud cases badh gaye hain — log accidental cars, salvage cars aur expired insurance ke sath gaadi bech dete hain. Is guide me tumhe ek full checklist mil jayegi jo gaadi final karne se pehle 100% check karni chahiye.
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| Second-hand Car Khareedte Time Insurance Check Kaise Kare? RC, Policy, NOC – Full Checklist (2026) |
1) RC (Registration Certificate) Check Kaise Kare?
➤ RC me kya-kya verify karo:
- Owner ka naam – seller se match hona chahiye
- Engine number
- Chassis number
- Fuel type – Petrol/Diesel/CNG
- Manufacturing year
- Hypothecation – loan active hai ya NOC liya hua hai
➤ Online RC Verify:
VAHAN portal (https://vahan.parivahan.gov.in/) par jaake gaadi ka registration number daalo → pura RC data mil jayega.
2) Insurance Policy Validity Kaise Check Kare?
➤ Step-by-step:
- Gaadi ka number leke IRDAI ki IIB website par jao
- ‘Vehicle Insurance Status’ par click karo
- Registration Number + Engine Number daalo
- Current policy active hai ya nahi check karo
Agar seller insurance copy nahi de raha ho ya avoid kar raha ho — deal mat lo. Expired insurance ka matlab tum first day se hi risk me pad jaoge.
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➤ Ye details zaroor check karo:
- IDV (Insured Declared Value)
- Policy type – Third Party / Comprehensive / Zero-Dep
- NCB (No Claim Bonus)
- Claim history
- Previous accident records
3) NOC (No Objection Certificate) Check
➤ NOC zaroori kab hota hai?
Agar gaadi pe pehle loan tha, to bank ka NOC mandatory hota hai. Agar NOC nahi diya, to RC transfer nahi hogi.
➤ NOC me kya verify karo?
- Bank ka letterhead hona chahiye
- Engine + Chassis number mentioned
- Date fresh honi chahiye (6 months ke andar)
- Loan closure clearly likha hona chahiye
4) Claim History Check (Bahut Important)
Fraud log accidental cars ko repair karwa ke “normal” car ki tarah bech dete hain. Tumko insurance claim history check karna hi hoga.
➤ Kaise check kare?
- Policy number + vehicle number se insurer ki website par check karo
- IIB website par claim status records dekh sakte ho
- Seller se complete physical service records maango
Note: Agar claim history me major accident dikhe → car avoid karna safe hota hai.
5) Engine & Chassis Number Physically Match Karna
Kaafi fraud cases me chassis plate tampered hoti hai. Tumko gaadi ke bonnet ke andar, body frame par, aur RC me likhe chassis number ko match karna chahiye.
➤ Match karte waqt dhyan rakho:
- Numbers uneven ya scratched na ho
- Welding marks newly patched na hon
- Paint thickness unnatural na lage
6) Service History Verify Karna
Authorized service center par phone karke gaadi ka service record pucho. Real service history me:
- KM reading consistent honi chahiye
- Major repairs clearly mention hone chahiye
- Abrupt jump in KM = odometer fraud
Agar service record missing hai → 70% cases me problem hoti hai.
7) PUC, Tax, Fitness Certificate
- PUC certificate valid hona chahiye
- Road tax paid hona chahiye
- Commercial car me Fitness Certificate zaroor check karo
Quick Comparison Chart (Second-Hand Car Document Checklist)
| Document | Checkpoints | Warning Signs |
|---|---|---|
| RC | Name, Engine No., Chassis No. | Mismatched chassis, loan active |
| Insurance | Active policy, IDV, NCB | Expired, claim fraud |
| NOC | Bank letterhead, closure | No NOC despite old loan |
| Service History | KM match, repairs log | Odometer tampered |
FAQs — Second-Hand Car Insurance & RC Check
Q1. Kya second-hand car insurance transfer karna zaroori hai?
Haan bhai, 14 days ke andar insurance apne naam me transfer karna mandatory hai.
Q2. Seller insurance nahi de raha ho to?
Deal avoid karo — high risk hai.
Q3. NOC kab zaroori hota hai?
Agar car pe loan tha ya state transfer ho raha hai.
Pros & Cons — Second-Hand Car Lena
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Disclaimer: Ye information general guide hai — official/legal confirmation ke liye apne insurer ya RTO se contact karein.